Stock Scorecard
Stock Summary for Heritage Commerce Corp (HTBK) - $11.36 as of 12/4/2025 1:14:15 AM EST
Total Score
22 out of 30
Safety Score
63 out of 100
Currently on the following lists
Growth Stock List
Tim's Recommendation
Buy
Growth List Algorithm Criteria for HTBK
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for HTBK
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for HTBK
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for HTBK
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for HTBK (63 out of 100)
| Stock Price Rating (Max of 10) | 5 |
| Historical Stock Price Rating (Max of 10) | 4 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 8 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 8 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for HTBK
Financial Details for HTBK
Company Overview |
|
|---|---|
| Ticker | HTBK |
| Company Name | Heritage Commerce Corp |
| Country | USA |
| Description | Heritage Commerce Corp (HTBK), headquartered in San Jose, California, is a prominent banking holding company that operates primarily through its subsidiary, Heritage Bank of Commerce. The company offers a comprehensive suite of commercial and personal banking services, catering to individuals, small businesses, and professionals across California. With a strong emphasis on relationship-driven banking, Heritage Commerce Corp is dedicated to delivering exceptional customer service and cultivating long-lasting partnerships within its communities, strategically positioning itself for sustained growth in the dynamic financial sector. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/22/2026 |
Stock Price History |
|
| Last Day Price | 11.36 |
| Price 4 Years Ago | 9.59 |
| Last Day Price Updated | 12/4/2025 1:14:15 AM EST |
| Last Day Volume | 355,472 |
| Average Daily Volume | 407,411 |
| 52-Week High | 11.38 |
| 52-Week Low | 7.77 |
| Last Price to 52 Week Low | 46.20% |
Valuation Measures |
|
| Trailing PE | 16.00 |
| Industry PE | 17.90 |
| Sector PE | 24.06 |
| 5-Year Average PE | 11.74 |
| Free Cash Flow Ratio | 0.93 |
| Industry Free Cash Flow Ratio | 6.61 |
| Sector Free Cash Flow Ratio | 39.55 |
| Current Ratio Most Recent Quarter | 0.23 |
| Total Cash Per Share | 12.20 |
| Book Value Per Share Most Recent Quarter | 11.42 |
| Price to Book Ratio | 0.97 |
| Industry Price to Book Ratio | 1.12 |
| Sector Price to Book Ratio | 1.92 |
| Price to Sales Ratio Twelve Trailing Months | 3.72 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.12 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.85 |
| Analyst Buy Ratings | 3 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 61,284,000 |
| Market Capitalization | 696,186,240 |
| Institutional Ownership | 80.62% |
Dividends |
|
| Ex-Dividend Date | 11/6/2025 |
| Previous Dividend Amount | 0.1300 |
| Current Dividend Amount | 0.1300 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.52 |
| Trailing Annual Dividend Yield | 4.58% |
| Forward Annual Dividend Rate | 0.52 |
| Forward Annual Dividend Yield | 4.58% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 5.42% |
| 5-Year Average Dividend Yield | 5.28% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 7.06% |
| Dividend Payout Ratio | 73.24% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 41.00% |
| Annual Earnings Growth | 62,789.69% |
| Reported EPS 12 Trailing Months | 0.71 |
| Reported EPS Past Year | 0.64 |
| Reported EPS Prior Year | 0.66 |
| Net Income Twelve Trailing Months | 43,334,000 |
| Net Income Past Year | 40,528,000 |
| Net Income Prior Year | 64,443 |
| Quarterly Revenue Growth YOY | 18.10% |
| 5-Year Revenue Growth | 10.46% |
| Operating Margin Twelve Trailing Months | 41.50% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 747,742,000 |
| Total Cash Past Year | 968,123,000 |
| Total Cash Prior Year | 408,129,000 |
| Net Cash Position Most Recent Quarter | 707,975,000 |
| Net Cash Position Past Year | 928,470,000 |
| Long Term Debt Past Year | 39,653,000 |
| Long Term Debt Prior Year | 39,502,000 |
| Total Debt Most Recent Quarter | 39,767,000 |
| Equity to Debt Ratio Past Year | 0.95 |
| Equity to Debt Ratio Most Recent Quarter | 0.95 |
| Total Stockholder Equity Past Year | 689,727,000 |
| Total Stockholder Equity Prior Year | 672,901,000 |
| Total Stockholder Equity Most Recent Quarter | 700,010,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 57,102,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 0.93 |
| Free Cash Flow Past Year | 37,347,000 |
| Free Cash Flow Prior Year | 71,339,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.22 |
| MACD Signal | 0.18 |
| 20-Day Bollinger Lower Band | 8.85 |
| 20-Day Bollinger Middle Band | 10.04 |
| 20-Day Bollinger Upper Band | 11.24 |
| Beta | 0.80 |
| RSI | 64.49 |
| 50-Day SMA | 8.64 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 8.98 |
System |
|
| Modified | 12/4/2025 1:14:17 AM EST |